Reported Misconduct Committed By Attorney Lynda Laing In Rhode Island

Complaint One

Listed:
Dec 17, 1997 Case Number: K97-318. This complaint filed
by Thomas Livermore, Pro
Se. Att. Laing represented Metropolitan Prop. & Liab.
Ins. in an action against Mr. Livermore. Mr. Livermore served
written interrogatories to Metropolitan on 5-8-97 and both Att.
Laing and Metropolitan refused to answer or respond to repeated
requests for an answer. On or about 7-21-97, Mr. Livermore
filed a motion to compel and a motion for sanctions. In a
highly unusual ruling for RI courts, Mr. Livermore's motion was
granted and Metropolitan answered the interrogatories.

Complaint Two

We are filing a formal complaint against Attorney Lynda Laing who
filed a suit on behalf of a company named Portfolio Recovery
³Services². Attorney Laing claims that she is an agent
for Portfolio Recovery Services. There is no company named
Portfolio Recovery Services registered in either the Commonwealth
of Virginia or the State of Rhode Island as Ms. Laing claims.

Ms. Laing claimed in her lawsuit that Mr. Ryan had a contract with
Sears National Bank and that Portfolio Recovery Services had been
assigned by Sears National Bank to collect a debt of more than
$7,000.00 from Mr. Ryan and that he is indebted to Portfolio
Recovery Services for that debt. Although Attorney Laing has
submitted sworn statements in the form of affidavits to support her
claims, Attorney Laing has since admitted in open court that no
contract existed between Sears National Bank and Mr. Ryan.
Ms. Laing also admitted to the Court that Portfolio Recovery
Services has never received an assignment by Sears National Bank to
collect this so called debt.

One individual claimed in a swown statement that Portfolio Recovery
Associates, LLC is the full name of the company and is located at
140 Corporate Blvd., Norfolk, Va. (Interrogatory Answer) It appears
by the signature that the same individual later claimed in an
affidavit that Portfolio Recovery Associates, LLC address is 120
Corporate Blvd. in Norfolk Va. (Affidavit)

We have received verification that there is no business in the name
of Portfolio Recovery Associates, LLC registered with the
Commissioner of the Revenue of Norfolk, Virginia at either 140
Corporate Bvd. or 120 Corporate Bvld., Norfolk, Virginia. (Letter
of Commissioner of Revenues, Norfolk Virginia)

There is a corporation listed with the Virginia State Corporations
Commission, but its address is registered at 1025 Downshire,
Virginia Beach, Virginia. According to the Commissioner of the
Revenues in Virginia Beach, Va., there is no company registered in
the name of Portfolio Recovery Associates, LLC in Virginia Beach. A
corporation in the name of Portfolio Recovery Associates, LLC had
been previously listed with the Commissioner of the Revenues in
Virginia Beach, but it has been inactive since 2004 and its
location is not the same as its stated address registered with the
State Corporations Commission.

The registered agent listed with the Virginia State Corporations
Commission is Judith S. Scott and states that she is a member of
the Virginia Bar. The Virginia Bar has verified that the name of
Judith Scott is not a member of the Virignia Bar. Also, no
corporation exists in the name of Portfolio Recovery Associates,
LLC. in the State of Rhode Island. (Secretary of State's Office
Certfication)

I have reviewed the R.I. Superior Court files and found that
approximately sixty seven (67) complaints have been filed by
Attorney Lynda Laing in the name of Portfolio Recovery
³Services². On numerous complaints filed by Ms. Laing,
she files an almost generic complaint form which claims that the
individual has a particular contract with a company. She claims
that the companies assigned the debts to Portfolio Recovery
Services and that Portfolio has a right to the debt. The following
cases found in R.I. Superior Court were filed in the name of
Portfolio Recovery Services:

One complaint filed in R.I. Superior Court, PC 04-6084, claims the
defendant is indebted to Portfolio Recovery Services for
$61,000.00. Portfolio Recovery Service claims that the
defendant is indebted to them by an original amount of $32,000.00
debt which had been written off by a company, plus an additional
$29,000.00 in interest for approximately the period of one year
(from the time the debt had been written off in 2003 to 2004 when
Portfolio filed the lawasuit)!

Numerous other lawsuits have been filed by Attorney Laing in the
R.I. Superior Court in the name of Portfolio Recovery Associates,
LLC. Also, numerous cases have been filed in the R.I. District
Court under both names. I do not know the legitimacy of the
existence of debts of any of these cases. What I do know is that
something is seriously awry and that Portfolio Recovery Services is
not a corporation as they claim. I have witnessed a number of
citizens be subjected to Attorney Laing¹s intimidation.
Respectfully,
Thomas Ryan and Mary Ryan

FOOD FOR THOUGHT

Many times the reason or purpose for events in our life initially escapes us,but I am certain we can find reason and/or purpose in everything that happens!

It takes a short time to learn to exercise power, but a lifetime to learn how to avoid abusing it.

We are no longer a country of laws, we are a country where laws are "creatively interpreted."